BEREMAT
ActiveSummary
BEREMAT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.78M and a net result of €217k. Equity is growing by ~33.5% per year across the filed fiscal years. Its solvency ranks better than 58% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+3
Solvency77▼-23
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 2.07 against 3.97 in 2024; short-term debt: 48.3% and cash: 22.1% of total assets), and 48.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.7%
Return on assets
6.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
4 d late
2023
1 d early
2022
26 d early
2021
11 d early
2020
43 d early
2019
17 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€217k▲ 114%
2024 · €102k
2018: €-48k
2019: €13k
2020: €-15k
2021: €424k
2022: €349k
2023: €493k
2024: €102k
2018 → 2025
Working capital
€1.78M▲ 13.9%
2024 · €1.56M
2018: €196k
2019: €208k
2020: €193k
2021: €617k
2022: €965k
2023: €1.46M
2024: €1.56M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€619k-€967k▲ 56.4%€1.46M▲ 50.9%€1.56M▲ 7.0%€1.78M▲ 13.9%
Operating result€600k-€537k▼ 10.5%€667k▲ 24.2%€58k▼ 91.3%€356k▲ 515%
Net result€424k-€349k▼ 17.7%€493k▲ 41.3%€102k▼ 79.4%€217k▲ 114%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 515% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.44M
Fixed assets
€2k =
Current assets
€3.44M ▲ 64.9%
Equity and liabilities €3.44M
Equity
€1.78M ▲ 13.9%
Debt
€1.66M ▲ 216%
Debt's share of the balance-sheet total rises from 25.2% to 48.3%. Equity and debt are higher.
Key figures and ratios
Current ratio
2.07▼
2024 · 3.97
Quick ratio
1.81▼
2024 · 3.29
Debt to equity
0.93▲
2024 · 0.34
ROE
12.2%▲
2024 · 6.5%
ROA
6.3%▲
2024 · 4.9%
Debt ≤ 1 year
€1.66M▲
2024 · €525k
Income taxes
€75k▲
2024 · €34k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.09M€3.44M▲
Fixed assets21/28€2k€2k=
Financial fixed assets28€2k€2k=
Current assets29/58€2.08M€3.44M▲
Amounts receivable after more than one year29€63k€0▼
Other amounts receivable291€63k€0▼
Stocks and contracts in progress3€358k€429k▲
Stocks30/36€358k€429k▲
Amounts receivable within one year40/41€959k€2.24M▲
Trade receivables40€707k€2.10M▲
Other amounts receivable41€252k€142k▼
Cash at bank and in hand54/58€695k€760k▲
Deferred charges and accrued income490/1€10k€5k▼
Equity and liabilities
Total equity and liabilities10/49€2.09M€3.44M▲
Equity10/15€1.56M€1.78M▲
Contributions10/11€25k€25k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€0▼
Reserves not available under the articles1311€3k€0▼
Distributable reserves133-€3k
Profit (loss) carried forward14€1.53M€1.75M▲
Amounts payable17/49€525k€1.66M▲
Amounts payable within one year42/48€525k€1.66M▲
Trade debts44€520k€1.65M▲
Suppliers440/4€520k€1.65M▲
Taxes, remuneration and social security45-€10k
Taxes450/3-€10k
Other amounts payable47/48€5k€0▼
Income statement
Code20242025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€200k€0▼
Other operating charges640/8€62€62=
Gross operating margin9900€258k€356k▲
Operating profit (loss)9901€58k€356k▲
Financial income75/76B€134k€0▼
Recurring financial income75€134k€0▼
Financial charges65/66B€56k€64k▲
Recurring financial charges65€56k€64k▲
Profit (loss) for the period before taxes9903€136k€292k▲
Income taxes67/77€34k€75k▲
Profit (loss) for the period9904€102k€217k▲
Profit (loss) for the period to be appropriated9905€102k€217k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.53M€1.75M▲
Profit (loss) brought forward from the previous period14P€1.43M€1.53M▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €493k ▲41.3%
Operating result €667k, net result €493k, both a record.
31-12
Financial
Equity above €1MEq €1.46M ▲50.9%
3 profitable years in a row build equity to €1.46M.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €424k
Net result €424k after one loss-making year.
31-12
Financial
Equity above €500kEq €619k ▲217%
Equity rises from €195k to €619k.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 17 days late
2019
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
Show earlier events
31-12
Financial
Liquidity times 6current ratio 15.30
Current ratio from 2.37 to 15.30; short-term debt falls from €143k to €15k.
31-12
Financial
Equity above €200kEq €210k ▲6.4%
Equity rises from €198k to €210k.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 23 days late
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Voeren · 1 establishment unit since 2014
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Boomstraat 113798 VoerenGround area
97 m²
Building footprint
68 m²
Volume, LiDAR
501 m³
Parcel 73075A0346/00N000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BEREMAT
since 20142.229.920.132
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73075A0346/00N000 | Flanders | 97 m² | 1 · 68 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
TELEC
BE 0406.775.834
Herstal · Eq €1.76M
VYTECH MENEN
BE 0452.502.525
Menen · Eq €1.82M
ADAM
BE 0459.440.795
Berlare · Eq €1.73M
AFIX GROUP
BE 0863.700.866
Aalter · Eq €1.72M
MATAM
BE 0412.827.149
Waterloo · Eq €1.85M
Of 388 companies in sector 46630 we hold annual accounts for 276. 195 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-2014
Fiscal year end31-12
Activities, NACEBEL 2025
46630Wholesale trade
77120Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.